A pointless balance transfer card from Santander

chattychappy

eskbanker wrote: »

What does a credit card application review process have to do with data protection laws (usually the Data Protection Act 1998)?

Because it's in S12 DPA 1998 which gives you certain rights in respect of automated decision making.

From http://ico.org.uk/for_organisations/data_protection/the_guide/principle_6/automated_decision_taking

The third right relates to the options available to an individual on receiving this information. If an individual is unhappy that an automated decision has been taken, they have 21 days to ask you to reconsider the decision or to take a new decision on a different basis. In most cases, both these options are likely to involve a review of the automated decision.

Example
An individual complains to a credit provider because his online application for credit was declined automatically. The application was declined because the information provided by the individual did not match pre-defined acceptance criteria applied by the automated system. The credit provider undertakes manual underwriting checks to review the original decision.

eskbanker

Thanks, hadn't realised that DPA covered that, every day's a school day! Apologies to thebritishbloke....